{"id":3299,"date":"2019-10-11T13:52:04","date_gmt":"2019-10-11T11:52:04","guid":{"rendered":"https:\/\/www.microsave.net\/fr\/?p=3299"},"modified":"2025-09-15T17:33:46","modified_gmt":"2025-09-15T12:03:46","slug":"le-credit-digital-une-solution-miracle","status":"publish","type":"post","link":"https:\/\/www.microsave.net\/fr\/blog\/2019\/10\/11\/le-credit-digital-une-solution-miracle\/","title":{"rendered":"Le cr\u00e9dit digital : une solution miracle ?"},"content":{"rendered":"<h3>Le cr\u00e9dit digital : une solution miracle ?<\/h3>\n<p>&nbsp;<\/p>\n<p><em><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3248 size-full\" src=\"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2019\/10\/silver-bullet.jpg\" alt=\"\" width=\"800\" height=\"366\" \/><\/em><\/p>\n<p><em>Graham A.N. Wright, novembre 2017<\/em><\/p>\n<p>Depuis le lancement de M-Shwari en 2012, l\u2019environnement de l\u2019offre de cr\u00e9dit digital s\u2019est consid\u00e9rablement \u00e9largi, avec une demande grandissante de la part des PME et des consommateurs de petits pr\u00eats. Cependant il reste de nombreux d\u00e9fis auxquels les prestataires devront r\u00e9pondre s&#8217;ils veulent faire du cr\u00e9dit digital une r\u00e9ussite, dont la n\u00e9cessit\u00e9 de cr\u00e9er des produits adapt\u00e9s et de comprendre les consequences potentielles de leur utilisation. Cette pr\u00e9sentation a \u00e9t\u00e9 d\u00e9livr\u00e9e par Graham\u00a0Wright, directeur g\u00e9n\u00e9ral de MSC, lors d&#8217;un webinaire organis\u00e9 par l\u2019Observatoire des services financiers digitaux (DFS Observatory) en novembre 2017\u00a0\u00e0 l&#8217;Universit\u00e9 de Colombia. Dans sa pr\u00e9sentation, il s&#8217;appuie sur l&#8217;exp\u00e9rience du Kenya, de l\u2019Ouganda et de l\u2019Inde.<\/p>\n<button class=\"simplefavorite-button\" data-postid=\"3299\" data-siteid=\"1\" data-groupid=\"1\" data-favoritecount=\"0\" style=\"box-shadow:none;-webkit-box-shadow:none;-moz-box-shadow:none;background-color:#ffffff;border-color:#5a5a5a;color:#ffffff;\"><i class='fa fa-bookmark-o unfavorite'><\/i><\/button>","protected":false},"excerpt":{"rendered":"<p>Depuis le lancement de M-Shwari en 2012, l\u2019environnement de l\u2019offre de cr\u00e9dit digital s\u2019est consid\u00e9rablement \u00e9largi, avec une demande grandissante de la part des PME et des consommateurs de petits pr\u00eats. Cependant il reste de nombreux d\u00e9fis auxquels les prestataires devront r\u00e9pondre s&#8217;ils veulent faire du cr\u00e9dit digital une r\u00e9ussite. Cette pr\u00e9sentation a \u00e9t\u00e9 d\u00e9livr\u00e9e par Graham\u00a0Wright, directeur g\u00e9n\u00e9ral de MSC, lors d&#8217;un webinaire organis\u00e9 par l\u2019Observatoire des services financiers digitaux (DFS Observatory) en novembre 2017\u00a0\u00e0 l&#8217;Universit\u00e9 de Colombia. Sa pr\u00e9sentation s&#8217;appuie sur l&#8217;exp\u00e9rience du Kenya, de l\u2019Ouganda et de l\u2019Inde.<\/p>\n","protected":false},"author":1031,"featured_media":41053,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5452],"tags":[],"region":[5530,5519],"class_list":["post-3299","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rapports","post_theme-banque-services-financiers-et-assurance-bfsi","post_theme-transformation-digitale","post_theme-inclusion-financiere","resource_type-rapport","region-afrique-de-lest","region-asie-du-sud"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le cr\u00e9dit digital : une solution miracle ? - MicroSave Consulting (MSC)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.microsave.net\/fr\/blog\/2019\/10\/11\/le-credit-digital-une-solution-miracle\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le cr\u00e9dit digital : une solution miracle ? - MicroSave Consulting (MSC)\" \/>\n<meta property=\"og:description\" content=\"Depuis le lancement de M-Shwari en 2012, l\u2019environnement de l\u2019offre de cr\u00e9dit digital s\u2019est consid\u00e9rablement \u00e9largi, avec une demande grandissante de la part des PME et des consommateurs de petits pr\u00eats. Cependant il reste de nombreux d\u00e9fis auxquels les prestataires devront r\u00e9pondre s&#039;ils veulent faire du cr\u00e9dit digital une r\u00e9ussite. Cette pr\u00e9sentation a \u00e9t\u00e9 d\u00e9livr\u00e9e par Graham\u00a0Wright, directeur g\u00e9n\u00e9ral de MSC, lors d&#039;un webinaire organis\u00e9 par l\u2019Observatoire des services financiers digitaux (DFS Observatory) en novembre 2017\u00a0\u00e0 l&#039;Universit\u00e9 de Colombia. Sa pr\u00e9sentation s&#039;appuie sur l&#039;exp\u00e9rience du Kenya, de l\u2019Ouganda et de l\u2019Inde.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.microsave.net\/fr\/blog\/2019\/10\/11\/le-credit-digital-une-solution-miracle\/\" \/>\n<meta property=\"og:site_name\" content=\"MicroSave Consulting (MSC)\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MicroSaveConsultingFR\" \/>\n<meta property=\"article:published_time\" content=\"2019-10-11T11:52:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-15T12:03:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.microsave.net\/fr\/wp-content\/uploads\/2019\/10\/238-Le-credit-digital.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"589\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Rebecca Szantyr\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@MicroSaveFR\" \/>\n<meta name=\"twitter:site\" content=\"@MicroSaveFR\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rebecca Szantyr\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/10\\\/11\\\/le-credit-digital-une-solution-miracle\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/10\\\/11\\\/le-credit-digital-une-solution-miracle\\\/\"},\"author\":{\"name\":\"Rebecca Szantyr\",\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/#\\\/schema\\\/person\\\/0434c54ec0112b2df6b94a87a3f4f0ba\"},\"headline\":\"Le cr\u00e9dit digital : une solution miracle ?\",\"datePublished\":\"2019-10-11T11:52:04+00:00\",\"dateModified\":\"2025-09-15T12:03:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/10\\\/11\\\/le-credit-digital-une-solution-miracle\\\/\"},\"wordCount\":157,\"publisher\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/10\\\/11\\\/le-credit-digital-une-solution-miracle\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/wp-content\\\/uploads\\\/2019\\\/10\\\/238-Le-credit-digital.jpg\",\"articleSection\":[\"Rapports\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/10\\\/11\\\/le-credit-digital-une-solution-miracle\\\/\",\"url\":\"https:\\\/\\\/www.microsave.net\\\/fr\\\/blog\\\/2019\\\/10\\\/11\\\/le-credit-digital-une-solution-miracle\\\/\",\"name\":\"Le cr\u00e9dit digital : une solution miracle ? 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